IP Library Granted Patent US 12,573,271
Granted Patent B2
US 12,573,271 · App. 18/113,189 · Granted Mar 10, 2026

Automated teller machine (ATM) transaction resiliency using a long range wide area network

Inventors: Maneesh Kumar Sethia (Hyderabad, IN); Sandeep Kumar Chauhan (Hyderabad, IN); Saurabh Arora (Gurugram, IN); Shyam K Dhanraj (Chennai, IN)
Assignee: Bank of America Corporation
G07F19/209G06Q20/18
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Quick Facts
Patent No.
US 12,573,271
App. No.
18/113,189
Filed
Feb 23, 2023
Granted
Mar 10, 2026
Kind
B2
Art Unit
3692
USPC
705/43
Abstract

An ATM includes a long range WAN module that provides the ATM with a low power WAN (LPWAN) capability for increased resiliency. The ATM and bank application servers generally communicate over an ATM communications network to allow customers to perform banking transactions. When this connection is not functioning, the ATM may continue to be used to perform banking transactions, without interruption, by communicating over a LoRaWAN network with another nearby LPWAN-enabled ATM that is in communication with the bank application servers. The LoRaWAN network may also be used to automatically obtain software to fix an error at the ATM when the software is obtainable via a nearby LPWAN-enabled ATM. The LoRaWAN module may be further used to record a state of operations at the ATM and to use the record to resume the transaction where the transaction was interrupted while in progress due to an ATM outage.

Claims (7)

1 . A computer program product comprising executable instructions that, when executed by a processor on a computer system:

monitor a connection between a first automated teller machine (ATM) and one or more application servers of a bank over an ATM communications network to determine whether the connection over the ATM communications network is functioning to perform banking transactions using the first ATM, wherein the one or more application servers process the banking transactions; and

during an outage in the connection between the first ATM and the one or more application servers over the ATM communications network, select, using a wireless long range wide area (LoRaWAN) gatekeeper, a second ATM from a plurality of available ATMs to use for routing communications between the first ATM and the one or more applications servers, the LoRaWAN gatekeeper selecting the second ATM based on load balancing across the plurality of available ATMs, whether an ATM of the plurality of available ATMs is already in use by an in-person user or by another offline ATM, the strength of LoRaWAN signals of the plurality of available ATMs, or a distance between the first ATM and the plurality of available ATMs;

exchanging, between the first ATM and the one or more application servers, banking transaction data related to one or more of the banking transactions to enable initiation and completion of performance by a user at the first ATM of the one or more of the banking transactions by routing the banking transaction data to or from the one or more application servers through a LoRaWAN network that is connected to the first ATM and the second ATM to exchange the banking transaction data between the first ATM and the second ATM using the LoRaWAN network and between the second ATM and the one or more application servers through the ATM communications network that is connecting the second ATM and the one or more application servers, thereby allowing continuing communications between the first ATM and the one or more application servers via the second ATM despite the outage;

wherein each of the first ATM and the second ATM has a respective module that enables communications between the first ATM and the second ATM using the LoRaWAN network.

2 . The computer program product of claim 1 , wherein the monitoring of the connection comprises: performing a periodic health check of the first ATM to determine whether the first ATM is connected to the ATM communications network.

3 . The computer program product of claim 1 , wherein the executable instructions further: transmit a notification, via the second ATM, to notify a module in communication with the ATM communications network of the outage in the connection between the first ATM and the one or more application servers over the ATM communications network.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 23, 2023
From: SETHIA, MANEESH KUMAR; CHAUHAN, SANDEEP KUMAR; ARORA, SAURABH; DHANRAJ, SHYAM K
To: BANK OF AMERICA CORPORATION
Reel/Frame 062780/0801 →
Continuity (1)
Related Publication 20240290182A1 · Aug 29, 2024
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